2017 SG dividend

My whole  2017 dividend for SGX listing stock are around SGD5804.52, Sgd 483.71 per month.

What are consideration factors to select a stock

Five Elements have to be considered when selecting a stock:
- The firm's General Long-Tem Prospect
- Quality of its management
- Financial strength and capital structure
- Dividend record
- Current dividend rate

How to select a defensive stock ?
- Adequate Size
- Sufficiently strong financial condition
- Continued dividends for at least the past 20 years
- No earnings deficit in the past ten years.
- Ten-year growth of at least one-third in per-share earnings
- Price of stock no more than 1 1/2 times net asset value
- Price no more than 15 times average earnings of the past three years.

[Reference: The Intelligent Investor (Chapter 11 and Chapter 13)]

Life is tough

I failed IVF again, the baby jouney is so tough to me,  wanna cry, but no tears out.
It is mentally and financially torture.
Hubby and me both have not done anything harm others, we even lent our money to friends although they did not return.
So sad, but don't know how to do, it is really beyond our control. Only can envy other people can hug their own kids. Life  is unfair.

MPF - fund switching

Hong Kong Hang Seng Index was at 26,030.29 on Jun 9, 2017. USA Nasdaq dropped 1.8% (113.846) to 6207.918 even Dow Jones was up 89.44 to 21,271.97.  There is no good news to support market going up although sometimes Mr Market is crazy. Worry about the downward risk, I decided to switch my MPF from high risk equity funds to low risk conservative porfolio.

Current Constituent Fund	% of Account Value
Growth Portolio	32.01%
Asian Equity Fund	21.12%
European Equity Fund	25.65%
Hong Kong Equity Fund	21.22%

New porfolio will be 50% Conservative Fund and 50% Gurantee Fund. Currently my MPF porfolio is around HKD180K. Usually I don't put attention on my MPF until this year I want to declare and take back money as I am not live in Hong Kong recent years. But when I told my idea to my dad, he stopped me.  I don't want to against my dad, so I havee to leave my money there. But when I think about my money was 180K at 2015, then later dropped after the peak. So I decide to take active control on my MPF.
Hopefully my fund switching is good decision this time. If market drop, I can buy back the equity fund at low price.

2017 Jan to May dividend

Jan: 0
Feb: 299.9
March: 166.2
April: 118.00
May: 1518.43
Total: 2102.53
420.51 each month

英雄迟暮- Professor X and woverin

I went to Vivo City to watched the movie - Logan tonight. I feel so sad, professor X and woverin both  died. 英雄迟暮, even super heroes like as professor X and Woverin also cannot escape from the time's calling. But can they let Professor X die in a peaceful and comforting way? When saw his death, it sadden my heart.

But this movie little bit shit, if they just killed that guy at the first place, the tragedies may not happen. I cannot comment too much, if the guy got killed in earlier stages, the producer or editor may not have the storyline to complete his movie.

Stock dropped, reits up?

Today market dropped. I hoped to buy some reits in lower price. But surprisingly, the reits price very resilient, prices dropped little, some even closed at higher price at the day. Does it mean the reits will go higher, if the most of reits dropped? If so, this scenario is applicable for long term or short term?

How to classify the stock

Peter Lynch has classified the stock into 6 categories: Slow Growers, Stalwarts, Fast Growers, Cyclicals, Turnarounds, Asset Plays.

I tried to identify  my current current SG stocks as below, but how to identify the reits and trust?

Stock Name	Category
Accordia Golf Trust	?
Aims Amp Reit	?
Ascendas-Htrust	?
Capitaland	Asset Play / Cyclical
First Reit	?
Hong Leong Finance	Asset Play
Keppel Corp	Cyclical
M1	Cyclical?
MapleTree GTC	?
OUE	Asset Play
QAF	Stalwart / Fast G?
Sembcorp Ind	Cyclical
SGX	Slow Grower / Stalwart?
Smrt
SPH	Slow Grower
Soil Build Reit	?
Starhill Global	?
Starhub	Cyclical ?
ST Engineering	Stalwart
Vicom	The last phase of Fast G ?
Wing Tai	Asset Play
Wilma	Cyclical

Hope one day I can find my fast growers, baggers in the Singapore stock. I am not greedy, one bagger already very sufficient to me

2016 dividend and 5 year planning for dividend

Year	Month	Amount (SGD)	Remark
2016	Jan	0
2016	Feb	91.8
2016	March	170.2	excluded Saizen special dividend 1.056
2016	April	166
2016	May	1577.91
2016	June	286.4
2016	July	0
2016	August	751.1
2016	September	515
2016	Oct	130
2016	Nov	264.32
2016	Dec	876.12
2016	Total	4828.85
2016	Average / M	402.4041667

2016 SGD dividend is 4828.85, every month is around SGD402.

Hope my SGD dividend income can grow to 1,000 / Month in 5 years time.

2017 dividend planning: SGD6000 / Year, SGD500 / Month;

2018 dividend planning: SGD7440 / Year, SGD620 / Month;

2019 dividend planning: SGD8880 / Year, SGD740 / Month;

2020 dividend planning: SGD10320 / Year, SGD860 / Month;

2021 dividend planning: SGD12000 / Year, SGD1000 / Month.